The basics…

Savers with investments between £1 and £9,999 will receive a rate of 2.15% whilst deposits between £10,000 and £24,999 will see a return of 2.35%. Savers with deposits of £25,000 and £49,999 will receive 2.55%, whilst those with higher deposits between £50,000 and £10 million will receive 2.75%.

The finer details….

Further additions are not permitted with this bond. Early access is allowed, subject to a 90 days' loss of interest penalty.

The account can be operated by post by savers aged 16 and over.

Why we like it….

This one-year bond offers the attractive combination of competitive rates and flexibility with accessing funds.

Savers must be willing to place as high a deposit as possible to achieve the best return, owing to the fact that no further additions are accepted once the issue is open.

Good news from RCI Bank UK – its latest research shows that many of us are saving more than we were a year ago, but the question is, will you be dipping into that buffer to cover the cost of Christmas?

Easy-access savings accounts are as simple as they sound – they allow you to access your money whenever you need it, without having to give advance notice, and they also allow you to pay into them at any time. Here are six of the best.